 Spring is in full bloom and the days are getting longer. Kids are out running around and playing ball or throwing a frisbee in the yard. Perhaps roaming the neighborhood on their bicycle. What they shouldn’t be doing is dragging the roads on a golf cart, 4-wheeler or any other ATV made for operation by a licensed driver! And yet, we see this all the time. Louisiana law states that all golf cart drivers must have a driver's license for safety purposes and that 4-wheelers and other ATV’s can be driven on the shoulders of all public roads and highways except interstate highways for the purposes of farm-related activities within a five-mile radius of your farm, provided that you possesses a valid Class “E” driver’s license. According to a report dated Sept. 2022 by the American Academy of Pediatrics (AAP), more than 3,000 have been killed as a result of ATV accidents between 1982 and 2015; 4 kids go to the ER every hour with injuries sustained in riding or driving an ATV. The Mayo Clinic states that children account for nearly one-third of all ATV injuries and one-quarter of ATV fatalities. Another thing for parents to beware of is, if your child is riding his or her friends around on your ATV and that friend gets injured or killed, YOU may be held liable. No one intentionally puts their or someone else’s child in danger. We teach them to be careful and obey the rules we put in place. But kids will be kids and they will test those boundaries. Therefore, if you’re going to disregard the law and take matters into your own hands with your child’s life, for goodness sakes, make them wear a helmet and other protective gear! And be sure you have adequate life insurance on them in case the unthinkable happens. Until next time, take care and remember one moment can change your entire life. Tommy Curtis & Staff Disclaimers:
ALL material on this blog is available for informational purposes only. Life and Medicare Products marketed through Curtis & Associates Financial Services, Inc. {A Life and Health Agency} Medicare has neither endorsed nor reviewed this information. Not connected or affiliated with any United States Government or State agency. Calling this number will direct you to a licensed Agent/Broker. *By contacting us and providing information, you agree that an authorized representative or licensed insurance agent may contact you by phone, e-mail or mail to answer your questions and provide additional information about Medicare Advantage, Part D or Medicare Supplement Insurance plans.  The National Hurricane Center is considering changing Hurricane Season from June 1 to May 15th. You’ve got to be kidding me – Right!?! Let’s face it, many of us haven’t fully recovered from 2020 hurricanes and now, as if we don’t have enough to fret about, the powers that be in the Weather Center want to add 2 more weeks of hurricane worry upon us. RELAX.
Regardless of when the National Hurricane Center states hurricane season starts or ends, there is no need to panic or fear. Being prepared and having a plan, however, is imperative. We may not be able to control Mother Nature, but here are some things you can do… Have an Evacuation Plan. No matter if the storm hits east or west of us, having an evacuation plan in place helps alleviates the stress of leaving. Review Your Home or Renters and Flood Insurance Policy ahead of time. Understanding your policy coverage, deductibles and limitations makes you a responsible homeowner/renter. Take pictures or a video of your home, contents, sheds or outbuildings, and yard helps you be more organized if you have to file a claim. Include pictures of closets and drawers, dishes, pots, silverware – everything! Many folks lose out on valuable reimbursement without proper documentation of what you own – especially those who have total or near-total losses. Have items in storage? Have pictures and an inventory list of those too as a percentage of your contents coverage extends to these things. It is especially important to record any existing damage on your home! If you happen to get caught with a new claim, this will help you and your insurance company from butting heads over details between claims. Keep a travel kit ready. A single suitcase or tote or briefcase with policies (including life, health and auto), Vet Records, Kid’s immunization records, Medications and/or a list of medications (include dosage!), Allergies, legal documents that may be important if you or a family member becomes ill or dies during evacuation, etc. saves you from having to think about these things when preparing to evacuate. Find more ideas on what to bring with you or have on hand if you decide not to evacuate in this post. Other important things we learned during 2020 hurricanes can be found HERE and more tips for travelling smart are listed in THIS blog post. Hopefully we’ve provided you enough information in this and other posts to help ease the stress of travelling or evacuating. Until next time, take care and remember…. Preparation is the key to success. Tommy Curtis and Staff  *Image by Peggy und Marco Lachmann-Anke from Pixabay We’ve done our best to help you Understand Life Insurance and explained the differences in Whole & Universal Life as well as Mortgage Protection and Term Life products. In this article we’ll explain the basics of Annuities.
An annuity is an investment product offered by an Insurance company that, in some cases, carries a death benefit option, and is designed to protect in the instance one outlives his or her pension, retirement benefits and/or savings.  Hospital Image by Pintera Studio from Pixabay We’ve all seen the silly duck (or is it a goose?) advertising cash in your pocket because of an illness or accident, but what exactly is a Hospital Indemnity Policy and how does it compare to Disability Income Protection?
Although qualified as “insurance” a Hospital Indemnity Policy is actually a cash benefit plan that pays directly to the insured (you) in the case of hospital confinement. Most folks purchase an indemnity plan to help offset the co-pay and deductible costs associated with their major medical insurance. |
Tommy Curtis
Is an insurance agent with integrity and your best interest in mind. Call to speak directly to him. Contact us Phone: 337-433-1683 Address: 509 7th Street Lake Charles, LA 70601 Office Hours: M-F 9a - 5p (CST) Follow Us
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